Our Blogs Metropolitan Risk

Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

Captive, General Liability Insurance, Line of Insurance, Risk Financing, Risk Management, Risk Transfer, Workers Compensation Insurance

In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…

captive insurances man holding insurance

Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

Captive, Line of Insurance, Practice Groups, Risk Financing, Risk Management, Risk Transfer

Have you ever wondered how utilizing captives, a high deductible insurance program, alternative risk transfer, self-insured retentions, or retrospective rating plans could further reduce your commercial insurance costs off your already low commercial…

What Is The Cost To Run A Captive Insurance Program?

Captive, Line of Insurance, Practice Groups, Risk Financing, Risk Management, Risk Transfer

How much does it cost to start and run a captive insurance company? It’s the most frequent upfront question we get from organizations that are looking at starting their own captive insurance company for their organization. The short answer…

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What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy?

General Liability Insurance, Risk Financing

With respect to your commercial general liability insurance policy; choosing between a high deductible or self-insured retention can have a major impact on your competitive position as your business competes on the street. We we want to give…

Construction Manager Vs. General Contractor- What Is The Difference?

Construction Practice Group Content, General Liability Insurance, Workers Compensation Insurance

Your operations are as a General Contractor, but the contract you are looking to enter (or have entered) references to your organization as a Construction Manager. Is there an issue here? Although at first glance you may see similarities…

New York Department of Financial Services Warns Businesses Who Use "Instant Quote" Software of Targeted Cyber Attacks

Cyber Liability Insurance, Risk Management, Risk Transfer

The New York Department of Financial Services (DFS) has issued a cybersecurity fraud alert to all of its regulated entities, describing a "systemic and aggressive" campaign to steal consumers' private data. The DFS has reported from several…

A Fireside Chat with A Claims Adjuster

Claims Management, Commercial Auto, Construction Practice Group Content, Food & Beverage Practice Group Content, General Liability Insurance, Human Services Practice Group Content, Interview, Other, Risk Management, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred. Please…

Protecting Your Workforce From Winter Related Illness

Claims Management, Construction Practice Group Content, Line of Insurance, Risk Management, Workers Compensation Insurance

Winter weather creates new challenges for employers trying to protect their employees from work-related accidents. Snow and Ice. How are you protecting your employees from potential slip and fall incidents related to snow and ice? According…

Social Engineering:A Growing Cybersecurity Risk

Cyber Liability Insurance, Risk Management

Social Engineering This past summer we wrote an article about the dangers of social engineering and how to prepare your organization for a socially engineered cyber attack. To reiterate: Social Engineering is the use of fraud to manipulate…